Many calculators rely on simplified inputs (injury category, severity, and rough medical costs). In real Michigan cases, value often turns on whether the medical records support a clear chain of causation.
For Port Huron patients—especially those who travel between local providers, urgent care, and larger hospitals for imaging or specialty care—there’s often a complicated timeline:
- Symptoms may be documented in one setting, then re-described later at another.
- Diagnostic delays can span multiple appointments.
- Treatment may be interrupted by work schedules, transportation, or caregiver needs.
Those real-life timing details matter to insurers and courts. If a calculator doesn’t account for the actual chronology of care, it can produce a number that feels confident but isn’t grounded in the evidence.


